Stories

  • Business Debt

    Business Debt

    ​A sole trader who ran into difficulties with HMRC

    A sole trader who had an engineering business ran into difficulties with HMRC when he received notice that he had liabilities totalling over £30,000 due for unpaid PAYE, VAT and self-assessment.
  • The Vine Centre

    An adviser at The Vine Centre in Belfast referred a client to the Belfast Citywide Tribunal Service (BCTS) whose son (age 15) was disallowed Disability Living Allowance.

    Belfast Citywide Tribunal Service represents clients who wish to appeal Social Security Agency (SSA) decisions on benefits, including Employment Support Allowance, Disability Living Allowance, Personal Independent Payment and Universal Credit. It enables clients to challenge decisions, assisting them through the process and representing them in both an Appeal and Tribunal setting.
  • ​Dove House Advice Services

    ​An advice service was able to help a family improve the quality of their lives

    A client who was a single parent with a number of children sought help from Dove House Advice Services. The family needed immediate intervention after the marriage broke down due to alcohol related issues and difficulties coping with a range of debt problems.
  • Budgeting image

    A Change in Family Circumstances

    ​"Before I saw the adviser I couldn’t visualise a way out of my situation"

    A client was recently separated from her abusive husband and was unaware that he had stopped paying their joint mortgage and secured loan. The lender was forcing repossession and as the client could not afford repayments she had to find alternative accommodation.
  • ​Tax & Benefits Service

    ​Income tax debt caused by a self-assessment error

    A client came to our Tax & Benefits service asking for assistance with an Income Tax debt of approximately £4,000. The client had a long history of mental health issues and had experienced a very unsettled period in her life due to homelessness. Once the client obtained a fixed abode, she started to receive letters demanding payment of the debt but had no understanding of how the debt had arisen.
  • Adviser

    ​Tax & Benefits Service

    ​Undisclosed partners and tax credits

    A client came to see an advisor at an outreach venue. The client had received a letter from HMRC stating that they believed that a potential undisclosed partner was living at her address and therefore had terminated her single claim award. The client had been separated from her husband for several years; however he still used her address.
  • Business Debtline

    ​A farmer who ran into difficulty repaying a secured business overdraft sought advice from Business Debtline

    A farmer ran into difficulties with his bank when he was unable to maintain the agreed contractual repayments on a business overdraft of £55,000 which had been secured on his home.
  • Outside a Food Bank

    Food Banks

    ​The Growth of Food Banks in Northern Ireland

    In 2013, advisers from the independent advice network reported seeing increasing numbers of people seeking advice who were in a critical financial situation, where there was no immediate support available from the social security or tax credit systems.
  • Street scene

    Benefits withdrawals and Food Banks

    Advisers often have to refer clients to food banks because their benefits have stopped due to administrative problems

  • Food Bank Network

    ​Food Banks Referrals

    Advisers often have to refer clients to food banks because their benefits have stopped due to administrative problems

    A Job Seekers Allowance (JSA) claimant contacted Advice NI in a state of distress after receiving a letter dated Friday 29th May which arrived on Saturday 30th May stating that his JSA was not payable from 30th May to 12th June. The claimant said that he was anxious all weekend, that he remembered a mix-up regarding a single Steps to Success appointment in February, that he thought that his explanation had been accepted and that he did not know how he would survive as he had no money and no savings.

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